Simple online loans
A CLEARER WAY TO HANDLE an unexpected expense
See what a loan could cost you before you apply — the amount, the term, and the full repayment, explained upfront. No surprises, no pressure.
Secure document handling
Your ID and payslips are encrypted and only used to assess your application.
Clear repayment dates
You'll see exactly what's due and when, before you accept anything.
Human support
Real people you can reach when you have a question about your loan.
Responsible affordability checks
We only lend what our checks show you can reasonably repay.
How it works
Three steps, no guesswork.
Everything happens online. You'll always know what the next step is and what it means.
Apply securely
Tell us how much you need and share a few details on an encrypted form. It takes a few minutes.
Complete verification
We confirm your identity and check affordability. This protects you from taking on more than you can carry.
Review your offer
If we can help, you'll see the amount, term and full cost in writing. Nothing is final until you accept.
Why customers choose us
Built to keep you in control.
Costs explained upfront
The initiation fee, interest and service fees are shown in plain rands before you commit — never buried in fine print or hidden behind a tooltip.
Made for your phone
The whole journey works on a mobile, on lighter data. No app to download and no branch visit needed.
Support that answers
If something is unclear or your circumstances change, our South African team can talk it through with you.
Read common questionsLoan products
Options that fit different needs.
Amounts and terms below are illustrative ranges. What you're offered depends on your affordability assessment.
Quick Cover
For a small, unexpected expense between paydays.
- Amount range
- R500 – R1 000
- Term range
- 3 months
Illustrative range. Not a guarantee of approval.
Planned Spend
For a larger, planned cost you'd rather spread out.
- Amount range
- R1 000 – R3 000
- Term range
- 3 months
Illustrative range. Not a guarantee of approval.
Familiar Terms
For customers who have borrowed and repaid with us before.
- Amount range
- R3 000 – R5 000
- Term range
- 3 months
Offer reflects your repayment record with us.
Eligibility
What you'll need to apply.
Meeting these doesn't guarantee an offer — it's the starting point for our affordability check.
- A South African IDYou must be 18 or older and a resident.
- Regular incomeYou're employed and can show recent proof of income.
- An active bank accountIn your name, where your salary is paid.
- A South African cellphone numberSo we can verify and keep you updated.
Transparent costs
What makes up your repayment.
Every part of the cost is shown separately — nothing is hidden.
| Component | On this example* |
|---|---|
| Amount borrowed The cash paid to you | R 3 500 |
| Interest Illustrative, on reducing balance | R 190 |
| Monthly service fee Charged each month of the term | R 180 |
| Hidden fees There are none | R 0 |
*Illustrative figures for a 3-month example, to show the structure of costs. Your actual pricing is confirmed in your offer.
Security & privacy
Your information is handled with care.
We collect only what we need to assess your application, and we're transparent about how it's used.
- Encrypted in transitYour details are protected while they travel to us.
- Used only for your applicationWe don't sell your data. Handled in line with POPIA.
- You stay in controlAsk us what we hold and request changes at any time.
Responsible lending
Lending that respects your budget.
A loan should ease a moment, not create a bigger problem. That belief shapes how we work — and if repayment ever gets difficult, talking to us early gives us the most room to help.
We check affordability
We assess whether repayments fit your income before we offer, not after.
Borrow only what you need
The estimate tool helps you choose an amount you're comfortable repaying.
Talk to us early
If repayment gets difficult, contact us — the sooner, the more we can help.
Customer experiences
What people say after borrowing.
The repayment amount I saw on the site was the amount that came off my account. Nothing extra appeared later.
I could see the total cost before I applied, so I picked a smaller amount than I first planned.
My hours were cut and I phoned before the debit order date. They talked me through the options instead of just sending letters.
These are examples, not customer reviews. They show how this section will look. CASH ZA publishes a review only with the customer's words and their written permission.
Frequently asked questions
Good to know before you start.
No. The estimate on this page is illustrative — a way to picture repayments. Your actual offer, if we can make one, comes after verification and an affordability check, and is confirmed in writing.
Your repayment is made up of the amount borrowed, interest, and a monthly service fee — each shown separately before you accept. There are no hidden fees. You'll see the full rand amount in your offer.
The application takes a few minutes on your phone. Verification timing depends on the checks we need to complete — we'll keep you updated at each step rather than leave you guessing.
You'll need a South African ID, regular income you can prove, an active bank account in your name, and a local cellphone number. Meeting these lets you apply; the affordability assessment decides the outcome.
Contact us as early as you can. We'd rather work something out with you than let it escalate. You can also raise a concern through our complaints process.
Ready when you are
See what you could qualify for — without any pressure.
Start with an estimate, and only continue if the numbers work for you.